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Medicare has excluded routine dental since 1965, and a single implant now costs $4,500, which is enough to wipe out an entire year's Social Security COLA increase.
Medicare Advantage dental riders and standalone plans both cap annual benefits somewhere between $1,000 and $2,000, leaving $3,000 or more uncovered on a single implant.
Dental schools perform implants at prices 30 to 50 percent below what private practices charge, making them the highest-leverage option for a procedure Medicare will never cover.
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A 68-year-old on Original Medicare walks out of her dentist's office with a treatment plan for a single implant.
She calls 1-800-MEDICARE to confirm coverage and receives the answer she hoped was wrong.
Millions of Medicare beneficiaries have no dental coverage, and Original Medicare has excluded routine dental care since the program began.
The law has been reconsidered repeatedly, but the central exclusion remains.
Medicare Part B, at its 2026 standard premium of $202.90 per month, buys medical coverage.
It does not ordinarily buy cleanings, fillings, crowns, dentures, or implants.
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